PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First National Bank and Trust Company

Georgetown, KY · Cert 2693

FDIC

Q1 2004

$152.9MAssets
$73.5MLoans
$130.1MDeposits
$12.2MEquity
Loan mix
86%RE $36.1M12%C&I $5.2M1%Consumer $0.5MQ2 2002Q1 2004
Deposit mix
86%Interest-bearing $112.3M14%Noninterest $17.8MQ2 2002Q1 2004

Executive Summary

  • Earnings: ROA of 0.96%, up 15 bps year over year; NIM at 3.15%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.07%.
  • Funding: loans stand at 56.50% of deposits as of Q1 2004.

Return on Assets (quarter, annualized)

0.96%+15 bps YoY

Net Interest Margin (quarter, annualized)

3.15%+21 bps YoY

Efficiency Ratio (quarter, annualized)

66.43%-463 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

5.88%Q1 ’025.39%Q1 ’034.82%Q1 ’040%+7%

Non-interest income vs. expense

2.29%Q1 ’022.39%Q1 ’032.40%Q1 ’04-1%-1%

Discrete quarter, annualized.

MetricQ2 2002Q3 2002Q4 2002Q1 2003Q2 2003Q3 2003Q4 2003Q1 2004YoY ΔTrend
Earnings
Return on Assets0.93%0.89%1.01%0.81%0.67%0.88%0.91%0.96%+15 bps
Return on Equity12.56%10.63%11.98%10.53%8.43%11.08%12.31%12.61%+208 bps
Net Interest Margin3.22%3.28%3.34%2.94%2.81%2.82%3.27%3.15%+21 bps
Efficiency Ratio67.40%69.57%64.82%71.05%75.58%67.65%56.91%66.43%-463 bps
Non-Interest Burden2.06%2.17%2.02%1.96%2.01%1.75%1.67%1.94%-3 bps
Growth
Asset Growth (YoY)8.27%-0.23%4.75%-3.31%0.83%3.29%8.73%1.52%+483 bps
Loan Growth (YoY)-4.31%-2.99%-2.13%-2.00%-5.77%-1.96%-3.60%-5.88%-388 bps
Deposit Growth (YoY)10.18%5.10%3.42%1.06%4.17%6.41%9.14%-1.01%-207 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.04%0.03%0.06%0.16%0.01%0.73%-0.07%-13 bps
Allowance / Loans2.03%2.04%2.06%2.11%2.10%2.03%2.03%2.15%+5 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital13.31%14.01%12.94%13.18%13.47%13.12%12.62%13.64%+46 bps
Equity / Assets7.94%8.88%7.89%7.54%8.32%7.51%7.23%7.97%+42 bps
Liquidity & Funding
Loans / Deposits66.32%66.68%65.48%59.42%59.99%61.44%57.84%56.50%-292 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a